GARDNER, KANSAS -- I bought insurance for my self owned business 4 years ago, at farmers insurance I have never made a claim on this policy, however, the cost kept going up to maintain it about 25%. since I choose to pay by check rather than on-line I was also charged a fee every month. so after careful consideration decided that with all this I did not want to continue with this policy and cancelled it. now because I cancelled it I am being charged a fee for cancelling the policy. I just didn't feel that was right and refused to pay a charge because I cancelled. and now they are putting it on my credit.